The Southern
The Southern is a credit union based in Fayetteville, Georgia, established in 1963, with $564 million in total assets serving 30,052 members. By Trust Grade it ranks 44th of 72 credit unions we track in Georgia. Its net worth ratio of 11.4% is stronger than 52% of similarly sized credit unions, versus a Georgia median of 13.3%. It was profitable over the most recent period, with a 0.35% return on assets. No consumer complaints against The Southern appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The Southern compares to Georgia peers
How we graded The Southern
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.4% capital ratio)
- Profitable (ROA 0.35%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The Southern over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at The Southern insured?
Yes. The Southern is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The Southern: frequently asked questions
Is The Southern a good credit union?
The Southern earns a Bankzia Trust Grade of A (91/100, "Excellent"), based on a financial-strength score of 91/100 (it has no CFPB complaints on record). Strongly capitalized (11.4% capital ratio); Profitable (ROA 0.35%).
Is The Southern NCUA-insured?
Yes. The Southern is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is The Southern?
The Southern holds $564 million in total assets, ranking 44th of 72 credit unions we track in Georgia. It serves 30,052 members.
Does The Southern have CFPB complaints?
No CFPB complaints against The Southern appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
